Roofing Financing & Payment Options

A new roof is an important investment in your home, and we believe it should be accessible to every homeowner who needs one. A.T.C. Contractors offers flexible payment options to make your roofing project manageable, whether it’s an insurance claim, a planned replacement, or an unexpected repair.

Payment Options

Insurance Claims — No Upfront Cost Beyond Your Deductible

If your roof was damaged by a storm, hail, wind, or fallen debris, your homeowner’s insurance likely covers the cost of repair or replacement. For approved insurance claims, you pay only your deductible. A.T.C. Contractors works directly with your insurance company, handling the documentation, adjuster meetings, and any supplemental claims. We don’t collect payment beyond your deductible until your insurance has paid.

Financing Available

For non-insurance projects — planned replacements, upgrades, or additions — we offer financing options to help you spread the cost over time. Options include:

  • Low monthly payment plans
  • Competitive interest rates
  • Terms from 12 to 144 months
  • Quick approval process

Financing details are discussed during your free estimate consultation. We’ll help you find a plan that fits your budget.

Cash, Check, and Credit Card

We accept all standard payment methods for homeowners who prefer to pay directly. Payment terms for non-insurance projects are typically a portion at contract signing with the balance due upon completion.

Making Roof Replacement Affordable

We understand that roof replacement isn’t something most families budget for. Here are some ways to manage the investment:

  • Don’t wait until it’s an emergency. A planned replacement gives you time to budget, compare options, and choose materials. Emergency repairs after a catastrophic failure are always more expensive.
  • Consider the lifetime cost. A higher-quality shingle with a longer warranty may cost more upfront but saves money over 30+ years by delaying your next replacement.
  • Take advantage of manufacturer rebates. GAF and other manufacturers periodically offer rebates on select products. Ask us about current promotions during your consultation.
  • Check your insurance. Even if you’re planning a replacement for age-related wear, it’s worth having us inspect for storm damage. Many roofs that appear to be simply worn out actually have hail or wind damage that qualifies for an insurance claim.

Get a Free Estimate & Discuss Payment Options

We’ll walk you through all your options — no pressure, no obligation. Call (865) 919-4664 today.

Get Your Free Estimate

Financing FAQ

Do I need good credit to finance a roof?

We work with financing partners who offer options for a range of credit profiles. The interest rate and terms you qualify for depend on your credit history, but we can typically find a workable solution for most homeowners. The best way to find out is to apply — there’s no obligation and the initial inquiry is a soft pull that won’t affect your credit score.

How does payment work for insurance claims?

For insurance claims, you pay only your deductible directly to us. Your insurance company issues the remaining payment — typically one check when the claim is approved and a second check after the work is completed. We handle all the coordination with your insurer and don’t require you to pay out of pocket beyond your deductible.

Do you require a deposit before starting work?

For insurance claim projects, no deposit is required. For non-insurance projects, we typically collect a partial payment at contract signing to cover material ordering, with the balance due upon completion and your satisfaction. Exact terms are outlined clearly in your written agreement before any work begins.